Beyond Technical Details, How Does a Bankruptcy Lawyer Help?

October 29, 2010

Beyond saving you money by discharging a large debt or protecting your home from foreclosure, just what can a bankruptcy lawyer do? An experienced Texas bankruptcy lawyer is not a therapist or a doctor or a mechanic, but a good one gives you more value than just the technical details of filing bankruptcy.

Your Options
A good bankruptcy lawyer does not just give you numbers; a good one gives you options. Say you owe $50,000 on your credit cards, and are falling behind on your mortgage. This is a tough situation, but beyond simply filing paperwork, how can you best understand what needs to be done? An experienced lawyer should educate you on how Chapter 7 might help, what the differences of Chapter 13 are, and if, perhaps, bankruptcy isn’t your best option.

Your Rights
You almost always have a right to file for bankruptcy help. And many of us are unaware of all our rights for this help. You may have a certain creditor calling you so much you’re considering either never picking up the phone again or changing your number. You may have a debt you believe is incorrect. People’s right are abused on a daily basis; a good lawyer explains your rights and protects them. If a creditor is crossing the line, for example, a lawyer can stand up for you.

Educates You

A good Texas bankruptcy lawyer does more than fill out documents, appear at meetings, and settle your case in court. You can likely learn a lot from your lawyer on what happens in bankruptcy court, with your trustee, and how debts can be eliminated. While you may never have to file again, if a life emergency comes in 10 or 20 years down the line, what you learned, even the basics, can be invaluable.

Your Financial Future

If you file bankruptcy, it does not always mean you always made bad decisions, but sometimes you have to admit you made some mistakes. You might have went on some spending sprees or spent paychecks before you even got them. A good bankruptcy lawyer should help you plan for after. He or she may not be a financial consultant, but an experienced lawyer explains what got you into this situation and how you can avoid it in the future.

What You Might Change
How can you avoid a second bankruptcy? What can you do to avoid losing a home again? When is it possible to have wages garnished? A good lawyer spends half his or her time answering client questions, and offering answers on how you might avoid making the same mistake twice. This may be beyond financial choices: it could be on the importance of medical coverage in times where medical bills are the leading cause of bankruptcy; it could be avoiding certain kinds of loans.

While not all Texas bankruptcy lawyers are capable of helping beyond the basics, you should hire one you can communicate with and who you can learn from.

Paying Debts or Filing Bankruptcy – Texas Legal Questions

October 27, 2010

You have many options for how you can eliminate your debt. Some options have more advantages than others – such as using debt consolidation, bankruptcy, doing nothing, or negotiating with creditors yourself. This blog guide goes into detail on how you might discharge debt.

Why not debt consolidation?
Debt consolidation, where all your debts are paid on and you make payments over time, has too many disadvantages to count. True, filing bankruptcy is not always your best option, but it’s much better than debt consolidation. If bankruptcy isn’t for you, there is no point in debt consolidation. You often end up paying more than the original debt because of interest rates. If you negotiated the debts yourself – by calling creditors and setting up payment plans – you stand to save more money and cut down on fees.

Doing Nothing
When overwhelmed by debts, you have legal options in Texas. While “doing nothing” may sound odd, it’s actually a tool you can sometimes, if rarely, use. You decide to pay on no debts, to take no legal action, to let the creditors call, to let them take what assets you have. When is this a bad decision? When you have something to lose. If you are living with a friend or family, if you have little to no assets and little income coming in, “doing nothing” may work. But be warned: unless you have thick skin and feel no stress, you may want another option.

Negotiating with Creditors Yourself
Instead of doing nothing or using debt consolidation, most Texas financial experts advise you to consider negotiating with creditors or choosing a form of bankruptcy. There is no law against negotiating creditors yourself – asking for lower interest rates, more time to catch up, and sometimes lower payments. Why would creditors want this? If you file bankruptcy, they often get nothing. If you can pay them even some of the money, it works out for them.

Why file Texas bankruptcy?
Bankruptcy is not for everyone. Some file bankruptcy for the wrong reasons. The right reasons? Impossible debts you simply cannot pay in a manageable amount of time, usually 3-5 years, or for legal protection when property and assets such as a home and car are in danger of being taken.

You have options in bankruptcy, Chapter 7 or Chapter 13. You can save on unsecured debts, debts on credit cards and to hospitals for examples, with Chapter 7. It discharges the debt, and only certain debts like taxes, alimony, student loans, and child support cannot be discharged.

If you had to choose between a Chapter 13 bankruptcy and debt consolidation, always choose Chapter 13. Chapter 13 protects your home and lets you pay on secured debts; debt consolidation can do little to help with secured debts such as your home and car. You might as well either negotiate or file for bankruptcy help.

Is Bankruptcy always best?

No, and this should be clear: you have options beyond bankruptcy. It’s just that many Texas residents believe they’ll lose more than they gain. Almost always, a successful bankruptcy saves you money. But if you have only minor debts – monies owed you can pay in 1 year or less – bankruptcy may not be the best solution.

Protecting Your Texas Home – Your Options with Bankruptcy

October 25, 2010

According to DallasTexasRealEstate.com, the Texas Homestead Exemption does three things: it protects you from increasing property taxes, stops creditors from forcing a sale in many situations, and gives protections to a spouse if the homeowner passes away.

What does the Texas Homestead Exemption mean to you?

The Texas Homestead Exemption is one of the most useful laws governing state properties ever. It has a long history, having been used for centuries to some extent. The main benefit of the law is not in saving property taxes, but in protecting your home from creditors. It cannot protect your property in certain situations, namely with mortgage holders, note holders, and the government. If you fall behind on the mortgage, you may have trouble protecting it. If you fail to pay taxes, the government has options on the property.

How Bankruptcy Helps
On the other hand, a bankruptcy may be exactly what you need. Bankruptcy provides more protections. The main benefit before you even file bankruptcy is that creditors have no legal right take your home unless they are the lender. If you owe a $100,000 hospital bill, the hospital cannot just decide to take the home. If you miss a year’s worth of mortgage payments, that is another story. A Chapter 13 bankruptcy – before you fall behind on your mortgage – gives you the opportunity to start making manageable payments on the home and keep it. You have legal protection when you file bankruptcy, namely with the “automatic stay,” which halts all collections against you for several months. If you can successfully file prior to the foreclosure process beginning, you have a good chance of saving the home.

When is Chapter 7 better? Chapter 7 bankruptcy discharges your debts, while Chapter 13 adjusts the payments of debts. You always pay something with Chapter 13. Chapter 7 is better when you have other debts you simply cannot afford, unsecured debts like credit card bills. You stand to lose the home if you file Chapter 7 bankruptcy and stop making payments. Chapter 13 is better if you want to keep the home. You do have options, so discuss them with your lawyer.

Should you sell?
You have other options for eliminating this debt. If you want to avoid bankruptcy or simply know you cannot keep the home, you might get lucky and sell it for full value. Or you can use a short sale to pay back what you owe, selling the house for less than it’s value but being free of the debt.

Who can help?
If you’re confused about some of these laws, that’s more than understandable. We get confused by them ourselves. Filing bankruptcy or going through foreclosure requires legal guidance. You need an experienced Texas bankruptcy attorney to explain all the laws, help protect your property and assets, and save money on debts.

Are the Alternatives Better Than Bankruptcy?

October 22, 2010

Bankruptcy is not always your best option; you have alternatives. Texas bankruptcy does give you many protections, such as the homestead exemption protecting your home during a bankruptcy. However, sometimes the debt is too small to discharge, or you are not eligible. You do have other options, so let’s go over them.

Downfalls of Debt Counseling, Benefits of Negotiation

You can negotiate with creditors to lower payments, interest, and sometimes even the sum of the debt. You can do this yourself, or you can use what’s called debt counseling. When using debt counseling, you will get help negotiating with creditors and making more affordable payments. However, if you filed Chapter 13 bankruptcy instead, you’d have more legal protection. And debt counseling agencies are not all equally skilled and knowledgeable: you may be able to do everything yourself. Some ignore the fact they can negotiate themselves, that debt counseling agencies have no secrets. You can make some phone calls and create a debt repayment plan. If you have no way of paying these debts, it’s pointless, so you may consider Chapter 7 bankruptcy.

Creditor Harassment
If you feel you can pay off these debts, you may not need to file bankruptcy nor negotiate on payments. However, you may get sick of constant phone calls on past due payments. There are rules to help you, such as the fact a creditor cannot call you earlier than 8AM and later than 9PM. But you can stop the problem at its source by writing a letter to the creditors and explain you want no more contact; by law they have to stop contacting you, no matter if the bill is due or not.

While bankruptcy can do all this, it’s designed for discharging high debts and protecting property. If you have minor debts and can pay them off yourself over a few months to a few years, consider stopping the harassment and setting up your own plan.

The Do Nothing Approach

This may sound odd, but you can actually find success by doing little to nothing on your debts. A warning: if you have any income or anything of value, it’s dangerous. The “do nothing” approach works if you stand to lose nothing, which is rare, because most of us have something to lose. If you are unemployed, have little income, and own no property or car, you may lose nothing.

When is bankruptcy better?

Chapter 7 bankruptcy discharges your main debts in a matter of months, though you stand to lose some assets. Chapter 7 is smart if you have impossible debts, especially unsecured debts like credit and medical bills.

Chapter 13, on the other hand, works well if you want to protect property. Sometimes you are not eligible for Chapter 7, but often Chapter 13 is still an option. If you own a home, for example, and fear foreclosure, a Chapter 13 repayment plan can protect it. The laws are designed to protect you. Contact an experienced bankruptcy attorney to find out more.

How a Texas Bankruptcy Lawyer Helps You Save Money

October 20, 2010

Saving money, property, and assets is the point of filing bankruptcy, but many fail to reap all the benefits of a successful debt discharge. For Texas residents facing a stack of credit card bills, impossible medical debts, foreclosure, and creditor harassment, there are options.

Texas is unique in many ways for how it protects home owners and those in debt. What is crucial in a successful bankruptcy is having clear set goals beforehand, while also hiring the best lawyer available. Who can help with filing a Chapter 7 bankruptcy? What are the best ways to protect your home from foreclose with bankruptcy? These are good questions for your Texas lawyer.

Where do you you find one?
An experienced Texas bankruptcy lawyer will very often have a site, be in the phone book, and also be found at the State Bar of Texas (where you can find lawyers for all legal situations). Filing bankruptcy can be quite complicated, yet it can also be very rewarding. If you own a lot of assets, owe a large amount of unsecured debts such as on credit cards, and your income is simply not enough, working with a Texas bankruptcy lawyer is essential. His or her job is to save you money. Will this service cost a fortune?

How much will it cost?
While Texas bankruptcy lawyers who are experienced do not work for free, neither will one cost you the price of a car. Few experienced Texas bankruptcy lawyers charge more than $2,000, and many are lower than that, depending on the complexity of your case. You do have to pay fees to Texas bankruptcy court – $299 for Chapter 7 bankruptcy, and $274 for Chapter 13. What many forget to consider is how much you stand to save.

How much will you save?
There is no limit on how much an experienced Texas lawyer can help you save with a Chapter 7 bankruptcy. As long as you are eligible – do not make too much money and have not filed recently – you stand to save thousands if not tens of thousands of dollars. The most common situation leading to Texas bankruptcy is medical debt; you get a bill for $50,000 in the mail because you have no health insurance. This is quite common, and a problem that can be solved with bankruptcy.

What can you protect?
Chapter 13 bankruptcy is usually better at protecting property and assets than Chapter 7. In Texas the homestead exemption is quite powerful. There is no limit on how much your home can be worth, how much equity you have, and what you owe. If you have a $200,000 home, for example, you can protect it with a Chapter 13 bankruptcy. If you simply cannot afford to pay your mortgage, Chapter 7 may be better. But if you feel, with manageable payments on all your debts, that you can afford it, Chapter 13 is smart.

A Texas bankruptcy lawyer is invaluable in helping you save money, protect assets, and ensure future success. The laws in Texas make possible the dream of being free of debts. But if you do this yourself or hire the most inexpensive lawyer available, you are in danger of losing assets,  and of owing impossible debts. So the time you spend finding a good lawyer is crucial.

The Best Strategy After a Successful Texas Bankruptcy

October 18, 2010

If you’re unsure of what happens after a successful bankruptcy, if you have some fears, you are not alone and there is help. This blog guide is designed to help you save money, protect assets, and reap the rewards of a bankruptcy.

Why file Texas bankruptcy?
Filing bankruptcy in Texas has some unique advantages. Take one of the most innovative laws in the entire country, the Texas homestead exemption. Where some states have limits on home exemptions, in Texas there is no limit. Why note this? If you have a home – and you’re worried about losing it – this simple law can literally change your life. You have to think after bankruptcy: what your income will be, where you will live, what expenses you have to pay, etc. If you can keep your residence, that is obviously a big advantage.

After Chapter 7 Bankruptcy
You just discharged some major debts, the big benefit of filing bankruptcy. How much can you save? There is no limit on how much you can discharge in a Chapter 7 bankruptcy. This creates real value for filers. However, there are some strategies for success and to avoid a second bankruptcy. In many situations, the bankruptcy was no fault of your own. You lost a job, got a huge medical bill, or simply could not keep up with credit card payments. Even if you had a role, we all make mistakes. The important thing to do is move on, to prepare for life after bankruptcy, and to avoid filing a second time. You may, for example, set a goal of getting a job with medical benefits, or of having only one credit card, or of paying all bills on time. (You can, in certain situations, follow all these strategies.)

During Chapter 13
A Chapter 13 bankruptcy can protect your home from foreclosure, buy you time to pay on debts, help you avoid spiraling debts, and help keep other assets. If you make too much money, higher than the Texas median income, you may have to file Chapter 13. Many overlook the advantages, namely how if you have a home and want to keep it, Chapter 13 bankruptcy may be your best option.

After Chapter 13
There are some strategies for success after a successful Chapter 13 filing. It takes much longer than a Chapter 7, but this buys you time to pay on debts. If high credit card interest rates hurt you, you may also try to eliminate the majority of your credit cards. Since you may have more trouble getting loans and credit cards, you can set a plan of rebuilding your credit by opening a secured credit card with your bank. You might also plan to keep your home in case of future unemployment by setting aside money from each paycheck.

If you are unsure of where to begin after your bankruptcy is done, take it one step at a time. Give yourself reachable goals, things you can get done on a monthly basis. The goal is to avoid a second bankruptcy filing. Some of us cannot avoid a second bankruptcy, but if you protect your income, maintain medical benefits, keep up on bills, and save money to protect assets like your home and car, you can avoid future problems.

5 Success Tips for Texas Chapter 7 Bankruptcy

October 15, 2010

This guide shows how best to save money, to hire a Texas lawyer, to discharge debt, to stop creditor harassment, and to get a fresh start. It’s important to understand the value of a successful Chapter 7 bankruptcy, and what it means for your future. A Chapter 7 bankruptcy liquidates assets and protects you financially by discharging debts you simply cannot afford. While you stand to lose some assets, you have exemptions when filing bankruptcy, especially effective in Texas, for protecting property like your home and car.

So how can you succeed?

Set Clear Goals
Texas bankruptcy need not be a time consuming, costly affair. Bankruptcy is difficult without proper legal representation. Your first goal might be to hire a lawyer both affordable and experienced. You have many options there. With a Chapter 7 bankruptcy, you may set goals of having your credit rebuilt after a few years time. You might also write down how you intend to save your home as well as other property and assets.

Hire a Texas Lawyer
Who do you hire? A Texas bankruptcy lawyer can help you set goals, rebuild credit, discharge debt, protect assets, and save money. A good Texas bankruptcy lawyer can explain the advantages of bankruptcy, specifically Chapter 7 – how it helps you, what protections you have, what you can keep, etc. He or she can also explain how your credit will be affected and what you might do to rebuild it.

If You Want it Discharged, Write It
Another crucial success tip: if you want to eliminate a debt, include it in your bankruptcy filing. Your lawyer can help, but be clear on this point. If you want the debt gone – to discharge it – list it. The same goes if you want to protect property and assets: if you want to keep them, your best opportunity is to list them and set up a plan to do so. If you ignore certain debts or assets, your bankruptcy may not go through.

Stop Harassment – Get Even
Well, “get even” may be pushing it, but you may have some harsh words for those calling you from morning to night. While filing Chapter 7 bankruptcy is effective in stopping harassment, be clear there are other ways to stop it. You can, for one, write a letter to the creditor asking them to stop contacting you; by law they have to. However, the root problem is the debt, and a Chapter 7 bankruptcy can discharge it (if you list it).

Second Chances and Fresh Starts
Bankruptcy gives you a fresh start financially. That’s the big benefit for many of us; we want some kind of new beginning, a better life financially. You may worry you’ll never be able to buy a home, car, or expensive dinner again – that bankruptcy will be a negative. However, while your credit may be hurt, it’s not ruined, and you always will have opportunities for new lines of credit and new loans. It may take some time, you will get some “no’s”, but it’s more than possible.

Take advantage of Texas Chapter 7 bankruptcy. If you are unsure on how to  begin, get in touch with an experienced lawyer.

Common Legal Hurdles When Filing Texas Bankruptcy

October 13, 2010

Are you eligible for Texas bankruptcy? How complicated is the legal process? This blog guide helps you overcome some bankruptcy hurdles which, if you can get past them, can help in protecting assets, discharging debts, and giving you a fresh start.

Ineligible for Texas Chapter 7
From one person to a family of four, the numbers for Texas Chapter 7 eligibility are $38,80, $55,660, $59,011, and $66,145. If you have a larger family, your income will be more. What if you make too much money? If you have recently lost your job, where you made a high income, you can likely be eligible after some time. Say you make $100,000 annually, but you lose your job, and have no income but unemployment. Eligibility is based on your income for the past six months; if you wait some time, you likely will be eligible. If not, while Chapter 7 is more effective at discharging unsecured debts like credit and medical, Chapter 13 has some advantages too.

Ineligible for Chapter 13
If you owe too much money, you may not be eligible for Chapter 13 bankruptcy. If your unsecured debts are over $336,900, you cannot file. Your secured debts, monies owed on your home and car for example, cannot be more than $1,01,650. These rules give you a lot of leeway. If your debts are this extreme, it’s best to consult with some financial help. Usually, if you are ineligible for Chapter 7, you will be eligible for Chapter 13.

What solutions if you cannot file?
Chapter 7 bankruptcy is very effective in discharging unsecured debts, such as credit card and medical monies owed. If you can’t file because you make too much money, you may have a high number of valuable assets you want to keep such as an expensive home, car, jewelry, and other assets. Therefore, it may be better to file for Chapter 13, especially in Texas where the homestead exemption has no limit. You can protect your home from foreclosure, your car from repossession, and other valuable assets and monies from being taken.

Paying Fees for Bankruptcy
If you are filing Chapter 7 bankruptcy, paying fees to both the courts and a lawyer can seem impossible. While for some of us paying $299 to file Chapter 7 is reasonable, if you’re unemployed and don’t know where your next rent or mortgage payment will come from, it may be high. Any way you can get it, it’s worth it. Why? If you discharge $20,000 in debt by paying $299, it can save you a lot of money. Should you hire a lawyer? Texas bankruptcy is unique, as all states are different, and hiring a Texas lawyer is crucial. A professional will not charge you huge amounts of money, and the more you owe the better return you’ll get.

Handling Creditors
Creditor harassment can and should stop right after filing bankruptcy. If it continues, refer the creditors to your lawyer. You might also write them a letter. At the meeting of creditors – also called the 341 meeting – creditors do have a chance to appeal your chance at bankruptcy, but few do.

Who can help?
The more money you owe, the more you own, the more value a Texas bankruptcy lawyer gives you. To put it simply, he or she can help you save tens of thousands of dollars, protect your home and car, and give you and your family a fresh start.

Should You Use Debt Consolidation or Bankruptcy?

October 13, 2010

Should you avoid bankruptcy? Well, this is a bankruptcy blog, so we may be partial. But if you look at the facts when comparing debt consolidation to bankruptcy, it’s pretty easy to side with bankruptcy.

What are the downsides of debt consolidation?
First and foremost, debt consolidation companies mainly try to help you with unsecured debts such as credit and medical debts. If you are worried about keeping up on your mortgage, debt consolidation can do nothing. If you fear repossession of your car, that is another secured debt you won’t get much help with. Debt consolidation companies offer you no legal protection. And often you end up paying more money on these debts over time – even with a lower monthly bill – than you would be negotiating. How? With interest rates.

Why file Texas bankruptcy?
Chapter 7 bankruptcy is better at discharging unsecured debts. It allows you to completely discharge the majority of your debts, namely credit and medical. You pay no interest rates. You have legal protection from creditors.

Chapter 13 bankruptcy is better at paying on secured debts, monies owed such as your home and car.  It allows you to protect your home, car, and other assets from being taken. If you make too much money to file Texas Chapter 7 bankruptcy, you almost always have the opportunity to file Chapter 13.

Advantages of Bankruptcy over Debt Consolidation
As noted, one myth of debt consolidation is that it can help with all debts. If you have secured debts, you might as well negotiate on your own; debt consolidation cannot help. If you owe money you can’t pay on your mortgage, you would do better to either discharge the debt with Chapter 7 or protect the home with Chapter 13.

Also, debt consolidation does not stop creditor harassment, and bankruptcy does. If you file bankruptcy, either Chapter 7 or Chapter 13, a Texas judge will put an “automatic stay” on all your debts, stopping any collections against you. Debt consolidation companies only negotiate with creditors; they offers no legal options for stopping creditor phone calls and letters.

Finally, bankruptcy may be better on your credit than debt consolidation. Even though you are paying the debts, many companies fail to pay on time. While this may not sound like a big deal, a bad company can cost you money on late fees and hurt your credit rating. True, a bankruptcy will stay on your credit report for 7-10 years, but with the money or assets you save, you can rebuild your credit over time.

Do you have options beyond bankruptcy?
Yes, you do have options other than filing bankruptcy. Rather than debt consolidation, you may try negotiating payments on your own. Creditors want their money; if you say you cannot pay the full amount and want to spread the payment over, you may be able to do so. You might do other things too, such as using a short sale to pay back what you owe on your home. Bankruptcy is not always your best option, but it should be considered.

Who can help?

Still unsure about debt consolidation and bankruptcy? Start asking some questions, and ask them to an experienced Texas bankruptcy lawyer. A good lawyer can help you save tens of thousands of dollars, protect property, and rebuild your credit over time.

When to Fire Your Dallas Bankruptcy Lawyer

October 8, 2010

There are many horror stories involved in bankruptcy which simply need not occur. The problem is that with so many unemployed, facing foreclosure, and lacking medical coverage, bankruptcy filings have been very high in recent years. This has increased demand for bankruptcies. Then, to add salt to the wound, the changes in 2005 made it more difficult to file Chapter 7, and more expensive to hire a lawyer. There is some good news to be found. Namely that there are experienced bankruptcy lawyers who can help you.

When are you getting conned? When is enough enough? How does a professional Dallas bankruptcy lawyer really help you? This blog guide answers questions and concerns so you can get the bankruptcy done.

High Fees
The point of any bankruptcy is to save money and assets, not lose them. A bankruptcy lawyer should rarely if ever charge more than $3,000 for you to file, with most being from $1,500 to $2,500. High fees are common for those with experience, but you wouldn’t be filing bankruptcy if you had a lot of extra money. The best thing to do is before you hire a lawyer, have locked down fees. If they try to raise them on you, that’s unprofessional. If they are upfront about fees, you can the rates for comparison.

Availability of Your Dallas Lawyer
While Texas bankruptcies and foreclosures are not as high as some states, the problem is still here. Bankruptcies are very common for a multitude of reasons: pending foreclosures,  unemployment, medical debts, rising interest rates, and more financial problems. Because they are common, many lawyers are taking on too much work, cashing in, and not spending enough time with their clients. This happens in all legal professions. If your lawyer is delaying your case, you need not be frustrated – get a new lawyer.

No Experience
We all make mistakes, especially when trying to save money. Say you wanted to protect your Dallas home from a pending foreclosure, found a lawyer who offered very low rates, and hired her. You then found out she had no experience in handling creditors or intimate knowledge of bankruptcy law. No matter if a lawyer has an education, if they lack relevant bankruptcy experience, find one who does.

Wrong Strategy

Some lawyers simply have a bad game plan when it comes to filing for bankruptcy. They may not understand what you need most. For instance, you may hire a Dallas bankruptcy lawyer who explains you can’t protect your home from foreclosure, or that it wouldn’t be worth it, when it’s in fact possible and smart. Sometimes a bad game plan means you lose in a big way. What kind of strategy do you need? Well, saving the most and losing the least is best.

Bad Communicator
Some people click upon meeting and some people don’t. If you simply cannot communicate well with your lawyer, the earlier you find someone you can communicate with the better. Some never return phone calls, send late invoices, rush through paperwork, never explain your rights – and it all can be frustrating during a scary time. You don’t always know when you hire them, but if you spend some time going over a bankruptcy strategy, if you delay your decision somewhat, it can help you see if this lawyer is easy to communicate with.

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